The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,495
−HK$3,104/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,564/mo
Today · 4.125%
HK$52,599
baseline
▲ 0.50% · 4.625%
HK$55,799
+HK$3,200/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$105,198/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,063
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$56,540
−HK$1,498/mo
Today · 4.125%
HK$58,038
baseline
▲ 0.50% · 4.625%
HK$61,097
+HK$3,059/mo
Deposit HK$10.85M · loan HK$10.85M · min. income ≈ HK$116,076/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,394
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,877/mo
Today · 4.125%
HK$63,119
baseline
▲ 0.50% · 4.625%
HK$66,959
+HK$3,840/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$126,238/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,075
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$67,847
−HK$1,798/mo
Today · 4.125%
HK$69,645
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$3,671/mo
Deposit HK$8.68M · loan HK$13.02M · min. income ≈ HK$139,290/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,293
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$2,189/mo
Today · 4.125%
HK$73,638
baseline
▲ 0.50% · 4.625%
HK$78,119
+HK$4,481/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$147,276/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,155
−HK$2,098/mo
Today · 4.125%
HK$81,253
baseline
▲ 0.50% · 4.625%
HK$85,536
+HK$4,283/mo
Deposit HK$6.51M · loan HK$15.19M · min. income ≈ HK$162,506/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,091
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,862
−HK$2,816/mo
Today · 4.125%
HK$94,678
baseline
▲ 0.50% · 4.625%
HK$100,439
+HK$5,761/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$189,356/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,113
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,771
−HK$2,697/mo
Today · 4.125%
HK$104,468
baseline
▲ 0.50% · 4.625%
HK$109,974
+HK$5,506/mo
Deposit HK$2.17M · loan HK$19.54M · min. income ≈ HK$208,936/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$920,595 · Scale 2, in force from 26 Feb 2026)